CarsonDunlop/ Horizon

Guardian Financial has partnered with Horizon to offer discounted credit card processing rates and fees specifically for its users.  As a Horizon user, not only do you get to take advantage of the volume pricing Horizon has negotiated on your behalf, but you also get an account that integrates seamlessly with your Horizon software allowing you to send electronic invoices with payment links, automatically include a payment link with the report lock feature and accept cards onsite right through your Horizon mobile app.    As a Horizon user you also get the following:

  • No monthly fees, if you don’t use it, it won’t cost you a dime
  • No start up fees
  • Month to month contract with no cancellation fees
  • Guaranteed lowest rates…$500 guarantee.  If Guardian can’t save you money on your existing processing, they will give you $500 just for giving them the opportunity to give you a bid.
  • Rates between 1.7% – 3.29% (depending on card type)
  • No PCI compliance fees
  • No junk fees
  • No monthly minimums
  • Customer support reps who actually understand your software, your business and your industry
  • Seamless integration with your Horizon Software which means
    • Payment links can be automatically included with booking emails and invoices
    • Accept payments onsite through the Horizon Mobile App
    • Payment link is automatically included in locked (unpaid) reports.  They click, pay and unlock the report without bugging you!

SIGN UP NOW – US Accounts

SIGN UP NOW – Canadian Accounts


Just 3 Simple Steps…..

  1. Call Guardian Financial. Our representatives have been working with the Home Inspections Industry for over 15 years. They will answer all your questions and build your online application.
  2. Fill out the simple online application (takes less than 10 min.) We will have your account set up and active within 2 business days.
  3. Link your new Guardian Financial merchant account to the Horizon Software by simply inserting your CardPointe gateway credentials into Horizon.

It really is as easy as 1,2,3.


Because our merchant account is completely compatible with Horizon you will have the ability to accept all card types right inside your Horizon software.

The rates and fees associated with processing credit cards are primarily determined by the risk associated with running the transaction. Because we work with so many Home Inspectors, we have been able to create an account that gives the lowest rates to transactions that have historically been charged at a higher risk level. We try our very best to make sure our pricing is as simple as possible to understand.


  • Transactions

  • Debit transactions: 1.70%
  • Communication Fee: .30
  • Credit Cards: 2.69%
  • Rewards cards and Corporate cards: 3.29%
  • Monthly

  • NO Account Maintenance Fee
  • NO Secure Gateway Fee
  • NO Monthly Minimum
  • NO PCI Compliance Fee
  • Set Up


Horizon is the only home inspection software that lets you create brilliant reports, provide great service, run a smart business, market for growth — and spend less time doing it all!  From integrated scheduling, report writing, automated marketing tools, mobile app for Android/iPhone. Create stunning inspection reports that clients love and win new business. Horizon is the ONLY inspection software created by inspectors for inspectors. Trusted by small and large inspection companies. Free updates and legendary training & support included.

Payment Processing with Horizon Mobile

Online Payment Processing / After Contract Acceptance

Payment Processing Inside the Work Order


Q.How much will switching to Guardian cost me?
A.We have ensured that Guardian will match or beat your current rates. With Guardian, there are no monthly fees whatsoever (if you don’t use it, it won’t cost you a dime). There are also no startup fees, and it is a month to month contract with no cancellation fee.
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Q.How long will switching to Guardian take?
A.Guardian has an online application that only takes a few minutes to fill out. There is no documentation to sign, scan, or email. You can do everything electronically. Your account is generally ready within one business day. From start to finish, this process should not take more than 10 minutes–plus you’ll be saving money every month.
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Q.Will I miss any payments during the transition?
A.No. The transition to Guardian is totally seamless. Once you enter your updated credentials in CarsonDunlop/ Horizon, you are all set up. Any payment links still floating out there will still work, they will just be pointed to the new account.
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Q.When does Guardian deposit my funds?
A. Guardian offers next day funding. Any transactions completed before 7:45pm EST will be automatically deposited into your account the next business day.
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Q.When does Guardian take out my fees?
A. Unlike many processors, Guardian doesn’t take out their fees until the next month. So, if you do a $400 home inspection, then $400 will show up in your account. This makes reconciliation and transaction tracking much simpler.
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Q.What are the benefits of moving to Guardian?
A. CarsonDunlop/ Horizon has been working with Guardian for over a decade. They guarantee lower processing fees, no monthly fees, no setup fees, and no cancellation fees. In addition, they offer next day funding, have better reporting and integration with CarsonDunlop/ Horizon, and have best in class customer service. Guardian understands our industry, your business, and most importantly, your CarsonDunlop/ Horizon software. They provide top-notch customer service (they actually answer the phone) and, because of their relationship with the inspection industry, they have a vested interest in making sure you are satisfied with your account and their service.
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Q.What if I am locked in a contract with my existing processor?
A.Talk to Guardian. They will take a look at your account, your rates, and fees and let you know what they can do. Just call them at 800-608-7363 and they will help you out.
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Q.What if I don’t process very many payments?
A. CarsonDunlop/ Horizon has negotiated with Guardian Financial to offer inspectors a no-monthly-fee payment processing account. If you don’t use it, you don’t pay a dime. Even if you aren’t using payment processing often, we recommend setting up an account so that it’s ready when you need it.
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Q.I’ve already negotiated great rates with my current processor, will Guardian match them?
A.Guardian will match or beat whatever you are currently paying. Just send them a copy of your processing statement, and they will work up a proposal for you and show you how much you save by making the switch. If they can’t save you money, they will give you $500 (they have never had to pay it out).
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Q.What Card types will I be able to accept?
A.Unless you request that we not set up a specific card type, your account will be set up so that you can accept all card types. Our recommendation is that you accept all types of credit cards. We recommend that you  allow your customers to pay with their preferred form of payment, no matter what it is.
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Q.How do I see what my fees are?
A.You will log into your cardpointe account, ( with the same username and password that you created when you did the online application. Then go to the reporting tab, then statements.
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Q.My Account shows a PCI Non-Compliant status, what do I need to do?
A.You will need to click on the Non-Compliant link and go through the PCI questionnaire. This needs to be done annually. If you do not become complaint, your account will be charged $24.95 a month until it is compliant and then you can request those fees be refunded for up to 1 years’ worth of charges. Click here to link to instruction page on our site.
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Q.Should I use the authorization method?
A.If you chose to use the authorization method your customers card will only be authorized for the amount of the inspection (like when you check in at a hotel) then the transaction will be finalized at a later time that you specify in the software. Usually at the time of the inspection.
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Q.What kind of receipt will my customer get?
A.If your customer enters their email address in the payment process, they will get an email receipt with all the details of the transaction.
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Q.How do I refund a transaction?
A.The best way to process a refund, is to do it within your inspection software by going to the inspection detail and choosing refund. You can also process a refund in the cardpointe gateway. When you log into your cardpointe account and go to the reporting tab, the default view is of the past 7 days transactions. The transaction number is a hyperlink that when clicked will show you all of the details of the transaction and have an option to refund available.
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